Umbrella Insurance

Extra Protection

Umbrella insurance for life’s unexpected moments.

When standard coverage isn’t enough, umbrella insurance provides an extra layer of protection. Stratford Insurance offers personalized policies to safeguard your financial future, ensuring peace of mind in any situation.

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Extended Liability Coverage

Umbrella insurance adds extra liability coverage beyond your existing policies, like home or auto insurance. It protects you from large claims or lawsuits that exceed your policy limits. Whether it’s a major accident or unforeseen legal fees, Stratford Insurance’s umbrella coverage ensures you’re financially secure, even in extraordinary circumstances.

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Legal Expense Protection

Lawsuits can be costly and stressful. Umbrella insurance provides coverage for legal expenses, including attorney fees, court costs, and settlements. This protection helps you navigate legal challenges without depleting your savings. Stratford Insurance tailors umbrella policies to include comprehensive legal coverage, giving you the confidence to handle the unexpected.

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Worldwide Coverage

Life doesn’t stop at borders, and neither should your insurance. Umbrella coverage extends protection internationally, safeguarding you from liability risks wherever you travel. From an incident abroad to an accident close to home, Stratford Insurance ensures your policy provides robust global protection for peace of mind wherever life takes you.

Some basic information that can help you better plan ahead.

  • What does umbrella insurance cover?

    Umbrella insurance provides additional liability coverage beyond your home, auto, or other policies. It covers large claims, legal fees, and damages exceeding standard policy limits. It also includes coverage for certain situations not covered by standard policies, like slander or libel. Stratford Insurance helps you understand how umbrella insurance fits your needs.

  • Who should consider umbrella insurance?

    Anyone with assets to protect should consider umbrella insurance. It’s especially useful for individuals with high net worth, rental property owners, or those at risk of large liability claims. Stratford Insurance works with you to assess your risks and determine if umbrella coverage is right for your situation.

  • How much umbrella insurance coverage do I need?

    Coverage needs vary based on your assets, risks, and lifestyle. A common recommendation is $1–5 million in coverage, depending on your exposure to liability. Stratford Insurance offers expert advice to calculate the right amount of umbrella insurance to safeguard your financial future.

  • Is umbrella insurance expensive?

    Umbrella insurance is surprisingly affordable, with premiums typically starting at a few hundred dollars per year. Considering the extensive protection it provides, it’s a cost-effective way to secure your assets. Stratford Insurance helps you find competitively priced policies tailored to your coverage needs.

  • Does umbrella insurance cover business liabilities?

    Standard umbrella insurance is designed for personal liabilities, not business-related risks. However, Stratford Insurance offers separate commercial umbrella policies to extend liability coverage for your business operations. We’ll guide you to the right solution based on your needs.

Strengthen your protection today.

Umbrella insurance from Stratford Insurance provides peace of mind and financial security for life’s uncertainties. Contact us now to customize your coverage and protect what matters most.